| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN F SULLIVAN INC3 | PO BOX 153 ARDMORE, OK 73402 | UNITEDHEALTHCARE | $0 | $197K | $197K | 5.00% |
| SULLIVAN INSURANCE AGENCY3 Filed as: SULLIVAN INSURANCE AGECNY | 321 W BROADWAY ARDMORE, OK 73401 | DELTA DENTAL OF OKLAHOMA | $7K | $0 | $7K | 4.00% |
| JOHN F SULLIVAN INC3 | PO BOX 1534 ARDMORE, OK 73402 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $0 | $19K | 13.03% |
| JOHN F SULLIVAN INC3 Filed as: JOHN F. SULLIVAN, INC. | 321 W BROADWAY ST ARDMORE, OK 73401 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.42% |
| KELLY W PUGH3 | 7367 S 286TH EAST AVE BROKEN ARROW, OK 74014 | COLONIAL LIFE & ACCIDENT INSURANCE COMANY | $2K | $72 | $3K | 5.04% |
| JOHN F SULLIVAN INC3 | DBA SULLIVAN INSURANCE AGENCY P.O. BOX 1534 ARDMORE, OK 73402 | COLONIAL LIFE & ACCIDENT INSURANCE COMANY | $2K | $0 | $2K | 3.29% |
| SHANNON MARIE BALDWIN3 | 10222 E 114TH ST S BIXBY, OK 74008 | COLONIAL LIFE & ACCIDENT INSURANCE COMANY | $759 | $48 | $807 | 1.62% |
| MARILYN K EMBERSON3 | 7220 N HAMMOND AVENUE OKLAHOMA CITY, OK 73132 | COLONIAL LIFE & ACCIDENT INSURANCE COMANY | $454 | $15 | $469 | 0.94% |
| CASSIE HAMILTON3 | 5137 E HICKORY MEADOW DR CLAREMORE, OK 74019 | COLONIAL LIFE & ACCIDENT INSURANCE COMANY | $327 | $7 | $334 | 0.67% |
| CARRIE ANN CAMPBELL3 | 5121 REDBUD DRIVE SAND SPRINGS, OK 74063 | COLONIAL LIFE & ACCIDENT INSURANCE COMANY | $300 | $0 | $300 | 0.60% |
| VIRGINA A HAFFENER3 | 2038 COUNTY ROAD 4300 COFFEYVILLE, KS 67337 | COLONIAL LIFE & ACCIDENT INSURANCE COMANY | $137 | $0 | $137 | 0.27% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DR THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMANY | $16 | $0 | $16 | 0.03% |
| TERRELL JOSEPH THORNE3 Filed as: TERRELL JOSEPH THRNE | 2060 COUNTY RD 2561 PAWHUSKA, OK 74056 | COLONIAL LIFE & ACCIDENT INSURANCE COMANY | $4 | $0 | $4 | 0.01% |
| LISA LAWSON3 | 9827 BIRCH DR PROVIDENCE VILLAGE, TX 76227 | COLONIAL LIFE & ACCIDENT INSURANCE COMANY | $1 | $0 | $1 | 0.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 733 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 740 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE | 561 | $3.9M |
| Dental | DELTA DENTAL OF OKLAHOMA | 611 | $169K |
| Vision | VISION SERVICE PLAN | 484 | $59K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 733 | $143K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 733 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 733 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.